The National Bank of Iraq (NBI) was founded in 1995 as a publicly traded, private sector company, offering comprehensive banking services to individuals and businesses in Iraq. As a result of NBI’s success and to fuel future growth, its capital was increased from the initial IQD 400 million to IQD 250 billion (USD 215 million) in December 2013. 

In 2005, Capital Bank Jordan acquired majority shares (61.85%) in NBI, allowing NBI to evolve its business offerings, strengthen its global footprint and promote financial inclusion across the country. 

With its extensive network of correspondent banks, Capital Bank stands as NBI’s gateway to world economies, facilitating internal and external remittances, granting lines of credit, as well as offering trade finance services. 

NBI operates a modern core banking system to support its growth and customer services. Capital Bank and its subsidiaries audit all accounts through Ernst and Young, and report financials in accordance with International Accounting Standards. 

NBI has earned a BB rating by Capital Intelligence, the international credit rating agency. It further received a ‘Good’ rating by the Central Bank of Iraq.

Today, NBI has more than 38 branches in all major cities in Iraq, and a branch in KSA. 

Administrative, Technical, and Operational Duties:

• Prepare and submit periodic reports to the direct manager on workflow progress, acquired clients, visits conducted, financing opportunities, and transactions under processing.
• Maintain and update records and databases related to credit transactions, client visits, customers, and pending requests.
• Follow up on transactions with internal departments to ensure timely completion and resolution of pending requirements and observations.
• Monitor assigned customer accounts in terms of activity level, compliance, relationship quality, and customer needs.
• Document the outcomes of field visits, observations, and recommendations related to customers.
• Perform any other related tasks and responsibilities as assigned by the direct manager or team leader.
• Meet with existing and prospective clients to present the bank’s services and direct and indirect credit facilities.
• Communicate with companies and small enterprises to introduce the bank’s products and competitive advantages, supporting sales growth and customer acquisition.
• Conduct field visits to prospective companies and institutions to present suitable banking services and credit facilities.
• Conduct field visits to existing companies to verify business continuity, the nature of operations, and the actual purpose of the requested facilities.
• Analyze customers’ financial and economic data to support recommendations regarding the granting of credit facilities.
• Prepare credit studies for customers, including analysis of financial statements, supporting documents, bank statements, receivables reports, cash flows, repayment sources, and proposed collateral.
• Study and analyze customer requests and propose appropriate financing solutions that meet their needs in terms of facility type, amount, repayment period, installments, collateral, and conditions.
• Negotiate credit facility terms and conditions with customers within the approved authority limits and guidelines, and follow up on the preparation of contracts and required documentation after approval.
• Conduct annual customer reviews within the assigned portfolio according to approved standards, and update customers’ financial and credit information.
• Execute activities related to selling SME financing facilities and acquiring new customers in line with established sales plans.
• Prepare applications and documentation for proposed credit facilities for acquired customers and coordinate with relevant stakeholders to obtain the required approvals.
• Ensure compliance with financial, credit, and legal policies and procedures, as well as the instructions of the Central Bank of Iraq and all related regulations.
• Monitor indicators of credit deterioration or deviations within assigned accounts and escalate cases requiring attention or corrective action.
• Follow up on customer needs, respond to inquiries, and provide suitable solutions in coordination with relevant departments to maintain customer satisfaction and long-term relationships.

• Bahelor’s degree in Accounting, Finance and Banking Sciences, Business Administration, or an equivalent qualification in the fields of Management and Economics.
• 1–3 years of experience, at a minimum, in a similar functional role.